Westpac Altitude Business Gold Mastercard

Save with a $0 first year annual fee and a balance transfer offer with the Westpac Altitude Business Gold Mastercard.

This business credit card combines expense-management features with gold-level perks, including rewards and complimentary travel insurance. It also offers a balance transfer option.

4.99% p.a.

Balance transfer rate

for 12 months

20.24% p.a.

Purchase rate


Reward point

Per $ spent

$0 p.a.

Annual fee

for the first year ($150 p.a. thereafter)

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Product NameWestpac Altitude Business Gold Mastercard
Rewards programWestpac Altitude Rewards
Balance transfer rate4.99% p.a. for 12 months
Balance transfer revert ratePurchase Rate (20.24% p.a.)
Balance transfer limit80% of available limit
Purchase rate20.24% p.a.
Annual fee$0 annual fee for the first year ($150 p.a. thereafter)
Interest-free periodUp to 55 days on purchases
Cash advance rate20.74% p.a.
Min credit limit$1,000
Max credit limit$80,000
Card typeMastercard
Foreign currency conversion fee3%
Minimum income$30,000
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • $0 annual fee for the first year
  • Balance transfer offer of 4.99% p.a. for 12 months
  • Complimentary overseas travel insurance


  • A relatively high interest of 20.24% p.a. on purchases
  • Charges a 3% foreign transaction fee
Rewards programWestpac Altitude Rewards
Bonus pointsN/A
Rewards points per $ spent1
Rewards points cap20,000
Annual fee$0 annual fee for the first year ($150 p.a. thereafter)
Minimum monthly repayment3% of the closing balance or $10, whichever is greater
Late payment fee$0
Foreign currency conversion fee3%
Cash advance fee3%
Overseas cash advance fee2%
Additional cardholder fee$0
Number of additional cardholders1

Review by

Amy Bradney-George has been writing about personal finance for more than 13 years – including over 600 articles as a senior writer for Finder. Her work has also appeared in publications including Money Magazine, The Sydney Morning Herald, Financy, ABC News Australia and Equity Magazine. Amy has a Bachelor of Arts in Journalism and Drama from Griffith University.

Expert review

The Westpac Altitude Business Gold Mastercard is suited to smaller business ventures and investments, offering 1 additional cardholder and easy options if you want to export transaction details directly to MYOB or BAS. It earns 1 point per $1 spent on eligible purchases and 0.5 points per $1 spent on government payments, capped at 20,000 per statement cycle, which are collected through the Altitude Rewards program.

How to apply

You can apply for the Westpac Altitude Business Gold Mastercard online in around 10 minutes and could get a response within 60 seconds of submitting your completed application. To get started, make sure you meet the following eligibility requirements and have access to all the details and documents you'll need to apply.

Eligibility criteria

  • Minimum income. You must earn a minimum of $30,000 per year.
  • Business details. You can only apply for this card if you plan to use it for business or investment purposes. You also need to have an active ABN (Australian Business Number) or ACN (Australian Company Number).

Card benefits

  • First year annual fee waiver. Enjoy a $0 annual fee in the first year, saving you $150.
  • Balance transfer offer. If you're looking to consolidate your debt, you can take advantage of a 4.99% p.a. interest for the first 12 months when you request for a balance transfer during the application for this card. At the end of the introductory period, the interest rate reverts to the variable purchase rate of 20.24% p.a.

Rates & fees

  • Annual fee. Outside of any promotions, this card charges a standard annual fee of $150.
  • Business management features. This card offers easy ways to export transaction details to MYOB or BAS, as well as downloadable reports you can open in Microsoft Excel. If you want to share the account with an employee, you can also request an additional card, with a $0 additional cardholder fee.

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    Default Gravatar
    July 5, 2015

    I have an altitude black card with Westpac. Will I be able to have an altitude business card,if I am exclusively an employee of a large business group,but own no business firm of my own. I don’t even have an ABN.

      Avatarfinder Customer Care
      July 6, 2015

      Hi Mathew,

      Thank you for your comment.

      You need to quote your ABN or ACN of your company during your application, so you can only use the card if you have one of these.

      As a business card, the Gold card comes with a higher annual fee and rates than a personal credit card. Business credit cards can also only be used for business-related purchases and transactions.

      You would need to discuss the possibility of using a Westpac Altitude Business Gold credit card with your managers and employers before applying for the card.

      I hope this has helped.



    Default Gravatar
    July 3, 2015

    Hi, Can I get more than 1 additional card holder for the Business Altitude Gold/Platinum?

      Avatarfinder Customer Care
      July 3, 2015

      Hi Thomas,

      Thank you for your comment.

      No, you can only get one additional cardholder with either of those cards.

      I hope this has helped.



    Default Gravatar
    April 29, 2015

    Can i swap from Platinum Altitude card to the Business Gold Altitude card for both me and my wife? I have an abn and registered business

      Avatarfinder Customer Care
      April 30, 2015

      Hi Andrew, thanks for your inquiry!

      Changing Westpac credit cards can be done via online banking, calling the customer service team or visiting a Westpac branch. Please refer to the link I have sent to your email for the details on changing your card via these methods.



    Default Gravatar
    August 15, 2014

    Can I get this card? as I have an ABN, but my main source of income is not from my business, but from my employer.

      Avatarfinder Customer Care
      August 18, 2014

      Hi Troy,

      Thanks for your question.

      Yes you can still apply for this card. Please note that other eligibility requirements apply.

      All the best,

    Default Gravatar
    March 23, 2014

    I took out a Westpac Gold card many many years ago. Somewhere in the fine print at the time, it said that if a certain amount was spent per month,( and I mean around $17000) the annual fee of $150 would be deducted. I remember reading this, but can no longer find the paperwork. If you can find this detail, I will be totally grateful.

      Avatarfinder Customer Care
      March 24, 2014

      Hi, Miri.

      Unfortunately, I’m unable to get access to this information. I’ll have a look across the internet and I’ll be in touch if anything comes up.

      Thanks for your question.

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